Investor Presentaiton

Non-interest income Strong non-interest income for the year with one-off benefits in 1H22 Summary Non interest income increased by $19m for the year > Underlying banking fees stabilising with product simplification offset by increases in business volumes > Banking fees includes $8m reclassification of ME Bank interchange fees as contra revenue from expenses to align accounting policy > Other income benefited from one-offs in 1H22 relating to an updated card services arrangement and an insurance provider termination fee > Trading income reflects gain on sales of investment securities 2H22 non-interest income of $63m was primarily lower due to non-recurrence of one-offs in 1H22 BANK OF QUEENSLAND LIMITED 2022 Full Year Results Presentation Non-interest income breakdown ($m) $153m 90 $134m 99 69 12 65 63 33 33 28 24 31 41 41 41 32 1H21 2H21 1H22 1 Banking Other One-offs Note: All comparative periods prior to FY22 are on a pro forma basis Trading Income 2H22 BOQ GROUP (1) Banking fees includes $8m reclassification of ME Bank interchange fees as contra revenue from expenses to align accounting policy. This has no impact on earnings 33

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